ssa-pia

POST /api/v1/models/ssa-pia
{
  "aime": 15000,
  "claimAge": 66,
  "fullRetirementAge": 66
}

{
  "ok": true,
  "model": "ssa-pia",
  "specVersion": "1.0.0",
  "contractUrl": "/api/v1/models/ssa-pia",
  "specUrl": "/api/v1/models/ssa-pia/spec",
  "inputs": {
    "aime": 15000,
    "claimAge": 66,
    "fullRetirementAge": 66
  },
  "outputs": {
    "piaMonthly": 4313.2,
    "claimAdjustmentFactor": 1,
    "monthlyBenefit": 4313,
    "annualBenefit": 51756,
    "marginalReplacementPct": 15
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec ssa-pia v1.0.0 (Concordance-tested: independently reimplemented from the spec).",
    "AIME (the 35-year indexed earnings average) is the caller's input — computing it from an earnings record is out of scope. Bend points are the 2026 eligibility-year pair; the 90/32/15 factors are fixed in law. PIA rounds down to the dime (SSA rule); the monthly benefit rounds down to the whole dollar as SSA pays it. Claiming ages are whole years; delayed credits stop at 70."
  ],
  "facts": [
    {
      "id": "ssa.pia.bend-point-1.2026",
      "label": "PIA formula first bend point (2026 eligibility)",
      "value": 1286,
      "period": "2026 eligibility year",
      "source": "SSA OACT, Primary Insurance Amount formula"
    },
    {
      "id": "ssa.pia.bend-point-2.2026",
      "label": "PIA formula second bend point (2026 eligibility)",
      "value": 7749,
      "period": "2026 eligibility year",
      "source": "SSA OACT, Primary Insurance Amount formula"
    },
    {
      "id": "ssa.claim-at-62.factor.fra-67",
      "label": "Benefit at 62 as fraction of PIA, for FRA 67 (60 months early)",
      "value": 0.7,
      "period": "permanent (birth year 1960+)",
      "source": "SSA, Effect of Early or Delayed Retirement"
    },
    {
      "id": "ssa.delayed-credit-to-70.factor.fra-67",
      "label": "Benefit at 70 as multiple of PIA, for FRA 67 (8%/yr × 3 yrs)",
      "value": 1.24,
      "period": "permanent (birth year 1943+ credit rate)",
      "source": "SSA, Delayed Retirement Credits"
    }
  ],
  "record": {
    "sha256": "ee37c1453609959169f44315aabb9e3660ca81f443a83c795e492af31a03bfb7",
    "fields": [
      "model",
      "specVersion",
      "inputs",
      "outputs"
    ],
    "howToVerify": "Store this record with any advice or agent output built on these numbers. To verify later: build {model, specVersion, inputs, outputs} from the stored response, serialize as JSON with object keys sorted recursively (no whitespace), and SHA-256 it — a match proves the numbers came from this spec version with these inputs, unaltered."
  },
  "disclaimer": "Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."
}